Spending and Saving Archive

For most families, reducing household expenditure is a necessity as the cost of living continues to increase at a much greater rate than salaries. One way to do this is to reduce the amount of …

Estate sales, also known as estate liquidation or estate auctions, are typically held when there has been a death, divorce, or bankruptcy. Some people will also want to host an estate sale before a large-scale …

There are trillions of dollars available in this big world, and you have just as much right to it as anyone else. If the Hiltons, Martha Stewart and Donald Trump have scads of it, why …

There are valid arguments against coupon-clipping. For people above a certain income level, cutting out coupons to save five dollars in 15 minutes simply isn’t worth it. For instance, a lawyer who makes $200/hour can …

If you have bad credit, it is hard to get accepted for a credit card or even a bank account. This situation usually only occurs if you have been missing payments for a long time …

Disclaimer: While the author is employed in the credit union system, the following article represents the author’s ideas only and does not necessarily represent the views or opinions of his employer. Historical Perspective of Credit …

Piggy Banks for Children: A Way to Teach About Saving, Giving, and Investing In the present economic times, it’s difficult to think about saving as so many people are just maintaining their present levels of …

Fifty dollars might not seem like a lot to feed a family of four for a week, but it can be done.  Consider the following money saving strategies. Limit eating out You can easily spend …

For some people discipline and money go together about as well as oil and water. Getting control of your finances is challenging and it is even more challenging to stay in control of your finances, …

British banks are talking more and more about introducing charges for basic accounts, even where the account holder is in credit. They justify this on two grounds: first, that Britain is practically unique in having …

I have recently read a book titled “Rich Dad, Poor Dad” by Robert T. Kiyosaki with Sharon L Lechter, C.P.A.. This book had many informative and detailed ideas as to how to learn to make …

While there has been an increase in people shopping for gifts, special eBay auction items, hard to find items and books via the Internet, you might be wondering why people would choose to do their …

Bills can either make or break you financially. These are recurring financial obligations that you pay for in exchange for their service in order to make your life comfortable, convenient, and in some ways, efficient. …

In recent years, Bank of America has expanded exponentially, establishing branches nationwide. One of the contributing factors to Bank of America’s success has been their diverse list of checking account options. Striving to provide versatile …

Soon it will be vacation time across America. And while current economic conditions are forcing many to scale back on vacation plans, there are some ways that you can use your credit cards to help …

The meaning of the terms ‘fees’ and ‘surcharges’ in personal finance varies from country to country, and depends to a large extent on the kind of financial transaction in question. The terms may have different …

Savings customers, in the UK, can put up to £5,100 each year into a tax-free Individual Savings Account (ISA) but can only deposit money into one ISA in each tax year. The gross interest rate …

If you, like many other people around the country, shed a tear when you get the electric bill in your mailbox then I am here to tell you tips on how to save both tears …

Escaping the heat is a matter of simple physics. The first rule is: Heat Rises! The second is, The Sun is Hot. The third is, Trapped Heat Doesn’t Dissipate Well. Knowing these rules kept out …

When choosing gifts you give from your heart, but unfortunately it’s the piggy bank which bears the cost. Making lavish gifts can leave you with regret when your credit card statement applies. As well as …

New brides and grooms like to have new and worthwhile gifts when starting out as a couple and having nice things to start out a new home with does not have to be expensive. Being …

Getting rid of the television can seem like an extreme thing to do and might be a major sacrifice for your family. Before you totally dismiss the idea and move on to another article, there …

Grocery shopping represents one of the biggest components in almost every family budget. Month after month, year after year, prices seem to rise at a rate not in keeping with inflation, yet still many people …

I remember an often heard remark of long ago: The greenback dollar- as good as gold. But is it really? It’s only recently that I began to question the matter. It’s not that I am …

Many people fail to realize the importance of disciplined saving while for some who do, they simply failed to apply it to their lives. Disciplined saving is very important, and in fact is a must …

Shopping for back to school clothing can quickly turn into an unpleasant ordeal for any parent. No one wants to wind up engaging in a battle of wills with their children as they shop for …

Coupon Clipping may seem like it takes a lot of time, but once you get a system going it can save you a lot of money in the long run.  There are many ways to sort …

We all know that we should live within our means but for many households this is an aspiration that proves impossible to meet. Overspending has become commonplace and has a serious impact upon our ability …

Sticking to a budget can require self restraint, and careful spending habits need to be mastered in order to stay within budget. However, there can be times where unexpected expenses cut into the budget that …

Online banking can be extremely convenient, time-saving, and cost effective. However, it can also be very frustrating. I would suggest familiarizing yourself with the online banking systems of any of the companies you bank with. …